1 Acceptance and Agreement

By accessing, browsing, or using the exalorinavi educational platform located at exalorinavi.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms constitute a legally binding agreement between you and exalorinavi, a financial education provider operating from 4 Cordelia St, Bundaberg, QLD, 4670, Australia.

If you do not agree with any portion of these terms, you must discontinue use of our platform immediately. Your continued use of the website constitutes ongoing acceptance of these terms and any modifications we may make from time to time.

2 Educational Services and Content

exalorinavi provides educational content focused on sales techniques within the financial services industry. Our courses, materials, and resources are designed to enhance professional skills and knowledge through structured learning experiences.

• All course materials remain the intellectual property of exalorinavi and are licensed for personal educational use only
• Students may not redistribute, share, or commercially exploit any course content without written permission
• Program enrollment is subject to availability and our admission criteria
• Course schedules and content may be modified to reflect industry developments and educational best practices

We reserve the right to update curriculum, modify course delivery methods, or discontinue programs based on educational effectiveness and market relevance. Students will be notified of significant changes affecting their enrolled programs.

3 User Obligations and Conduct

As a user of our platform, you agree to maintain professional standards and respect for fellow students and instructors. This includes participating constructively in discussions, completing assignments honestly, and treating all community members with courtesy.

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. Sharing login information or allowing others to access your account is strictly prohibited.

• Provide accurate information during registration and keep your profile updated
• Use the platform solely for legitimate educational purposes
• Respect intellectual property rights of all content and materials
• Refrain from uploading harmful, offensive, or inappropriate content
• Report technical issues or inappropriate behavior to our support team

4 Privacy and Data Protection

We collect and process personal information necessary for delivering educational services, including contact details, educational background, and learning progress data. This information helps us provide personalized learning experiences and track academic achievement.

Your privacy is important to us, and we implement appropriate security measures to protect your personal information. We do not sell or share student data with third parties for marketing purposes, though we may share aggregated, non-identifiable data for educational research purposes.

5 Payment Terms and Refund Policy

Course fees are clearly displayed during the enrollment process and must be paid according to the specified payment schedule. We accept various payment methods and offer flexible payment plans for qualifying students.

Refund requests are evaluated on a case-by-case basis, considering factors such as completion status, time elapsed since enrollment, and individual circumstances. We aim to be fair and reasonable while maintaining the sustainability of our educational programs.

• Full refunds available within 14 days of enrollment if less than 25% of course content accessed
• Partial refunds may be available for withdrawn students based on completion percentage
• Payment plan modifications require advance notice and approval
• Refund processing typically takes 5-10 business days once approved

6 Limitation of Liability

exalorinavi provides educational services to the best of our ability, but we cannot guarantee specific career outcomes, employment opportunities, or financial results. The value of education depends on many factors including individual effort, market conditions, and personal circumstances.

Our liability is limited to the fees paid for educational services. We are not responsible for indirect damages, lost opportunities, or consequential losses that may arise from your use of our platform or participation in our programs.

7 Intellectual Property Rights

All course materials, including videos, documents, presentations, and assessments, are protected by copyright and remain the exclusive property of exalorinavi. Students receive a limited license to access and use these materials for personal educational purposes only.

You may not reproduce, distribute, modify, or create derivative works from our content without explicit written permission. This includes sharing materials with non-enrolled individuals or using our content for commercial purposes.

8 Termination and Suspension

We reserve the right to terminate or suspend access to our platform for violations of these terms, disruptive behavior, or fraudulent activity. In cases of serious misconduct, termination may be immediate without refund eligibility.

Students may voluntarily withdraw from programs by providing written notice. Withdrawal procedures and any applicable refund calculations will be handled according to our established policies and the specific circumstances of each case.